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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $76,365 | $100,970-24.4% | $96,576-20.9% | $137,256-44.4% |
| Participation rate | 92.3% | 82.6%+9.7pp | 81.4%+10.9pp | 80.0%+12.3pp |
| Annual return | 18.61% | 38.16%-19.6pp | 38.47%-19.9pp | 220.34%-201.7pp |
| Employer contribution / active EE | $3,883 | $3,809+1.9% | $3,553+9.3% | $4,156-6.6% |
| Participant deferral / active EE | $7,574 | $8,286-8.6% | $7,956-4.8% | $6,407+18.2% |
| Admin fee / account holder | $303 | $11,312-97.3% | $11,381-97.3% | $12,270-97.5% |